What is a reaffirmation?
When you reaffirm a debt you agree to be liable for that debt even though it would otherwise be discharged in your bankruptcy case. You can reaffirm the debt under the original contract terms, or in some cases you may be able to negotiate a different interest rate or principal amount.
Reaffirmation agreement [...]

Step One – Can you afford your car?
You may want to reaffirm a secured debt if the creditor offers you better terms or you want to keep the property and you believe you will be able to make the payments. You should only reaffirm a debt if you can afford to pay it without creating [...]

Filling out the agreement
The official forms for a reaffirmation agreement can be confusing, and there may be additional local forms required in your area. Your attorney or the lender will usually provide you with a copy of the required forms and an explanation of the areas you need to complete. If you are representing yourself, [...]